Equity
€46,055 from €171,478 in 2022
Equity fell by 73% in 3 years.
R&B FINANCE
Lifetime
17 annual accounts with figures on one time axis, 22 filings since 2004Gross marginpeak €780,597 (2025)
€780,597▲ 14.6%
Resultpeak €384,145 (2025)
€384,145▲ 12.6%
Equitypeak €171,478 (2022)
€46,055▼ 32.2%
Debts
€1.2m▲ 94.6%
Staffpeak 5 FTE (2022)
5 FTE▲ 25.0%
Board9 names since 2011
5 directorsCIDIMMO and 4 others
Owners4 names in the annual accounts
100%GROUPE RUYSSEN-BOCCART
Documentsfilings and deeds
05-01-202626 days before the deadline
2025financial year
Gross margin from €681,351 to €780,597Staff from 4 FTE to 5 FTE2 directors appointed 29-07Appointment: Jean-Paul DETRAIT (director) 24-01Equity from €67,951 to €46,055Debts from €616,240 to €1.2m
Key points
from the 2025 annual accountsDebts
€1.2m 96% of the balance sheet
Financial debts 38%Suppliers 10%Taxes and wages 6%Other 46%
Of this, €742,174 falls due within a year.
Securities
€400,000
Pledge on the business, new in 2025. 8.7 times equity · not in the 2024 accounts.
Investments
€633,616 7.2 × depreciation
Green is investment, beige is depreciation.
Filings
22 annual accounts since 2004
Two of the last ten came late. The 2017 accounts came latest: 6 days after the end of the period.
Position in the sector
€46,055
Less equity than 94% of companies in insurance and pension funding. Sector median €411,382 · 40 companies.
Financial institution: outside the modelBankruptcy probability: sector outside the model
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Two signals.
raises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 40 sector peers (2025).
NBB · sector comparisonPosition among 40 sector peers
Solvency
better than 7%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-01-2026, 26 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
26 days early
2024
on the day
2023
1 day early
2022
1 day early
2021
3 days early
2020
34 days early
2019
29 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 13 days before the deadline. In the sector (NACE 65), the median for financial year 2024 was 29 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 30 January (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end06-11-2026 today31-01-2027 deadline
Board and ownership
- GROUPE RUYSSEN-BOCCART 100%equity €569,110 (2025) · 2025 annual accounts of GROUPE RUYSSEN-BOCCART
- 2B FINANCE 50%score 94equity €574,347 (2025) · annual accounts 30-06-2017
- CIDIMMO SPRL 25%score 94equity €604,396 (2025) · annual accounts 30-06-2017
Recent changes
Appointment: MEMTA CONSULT (director)
Permanent representative: RUYSSEN Olivier · General meeting of 09-04-2026 · Gazette deed
Resignation: Jean Paul DETRAIT (director)
Permanent representative: Olivier RUYSSEN · Director discharge: Jean Paul DETRAIT · General meeting of 23-01-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0860376736
2 directors appointed
Permanent representative: Olivier RUYSSEN · Carine BRUYR and Daniel MIGEOTTE · General meeting of 02-07-2025 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| R&B FINANCE Florennes | €1.2m | €780,597 | 3.7% | 5 |
| FINANCE TEAM Woluwe-Saint-Pierre | €1.0m | €553,092 | 93.8% | 4.2 |
| BUREAU WERION Walcourt | €0.9m | €572,863 | 48.7% | 3.7 |
| Bruno Denijs Kortrijk | €2.3m | €866,386 | 24.0% | 6.8 |
| BASSER ASSURANCES Rochefort | €1.0m | €523,223 | 5.6% | 5.1 |
| BUREAU ASSURANCES EMMANUEL VIGANO Estinnes | €1.0m | €388,815 | 61.5% | - |
| Bureau d'Assurance François MICHAUX Couvin | €0.7m | €316,234 | 57.1% | - |
These companies have the same main activity as R&B FINANCE: insurance, reinsurance and pension funding, except compulsory social security (NACE 65112). They are comparable in size and age: total assets between €733,000 and €2.3m, founded between 1985 and 2017.
Official details
Source: KBO- Status
- Active since 05-09-2003Normal situation
- Activity
- Insurance, reinsurance and pension funding, except compulsory social securityNACE 65112and 1 other
- Establishment unit
- 2.132.939.4335620 Florennes, since 01-10-2003
- Financial year end
- 30 June
- Peppol
- Reachable since 24-11-2025
Annual accounts to 30-06-2025
- Total assets
- €1.2m▲ 82.0%
- Employeeson 30-06-2025
- 7▲ 75.0%
- Filing
- Filed on 05-01-2026, 26 days before the end of the filing period
Companies linked to R&B FINANCE
Shareholders
- IMMO RUYSSEN25%
Insights on R&B FINANCE
R&B FINANCE has existed since 2003. The gross margin grew from €131,214 in 2009 to €780,597 in 2025 and staff from 2.7 to 5 full-time equivalents.
The gross margin has grown every year since 2019. Solvency fell in 2025 from 9.9% to 3.7% because of higher long-term debts.
GROUPE RUYSSEN-BOCCART holds all the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about R&B FINANCE
- What is the company number of R&B FINANCE?
- The company number of R&B FINANCE is 0860.376.736. The VAT number is the same number with BE in front: BE 0860.376.736.
- Where is R&B FINANCE based?
- The registered office is at Rue Saint-Gangulphe 12, 5620 Florennes.Company details
- What does R&B FINANCE do?
- According to the KBO register, the main activity is insurance, reinsurance and pension funding, except compulsory social security (NACE 65112).
- What is the legal form of R&B FINANCE?
- R&B FINANCE is a private limited company (BV).
- When was R&B FINANCE founded?
- R&B FINANCE was founded on 05-09-2003.
- Is R&B FINANCE still active?
- Yes, R&B FINANCE is an active enterprise in the KBO register.
- How many employees does R&B FINANCE have?
- R&B FINANCE had an average of 5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of R&B FINANCE?
- The turnover in financial year 2025 is ≈ €1.8m. This figure is estimated from the gross margin of €780,597 and 2,281 comparable companies of the same size. It probably lies between €1.1m and €3.1m. It is a rough estimate.
- Is R&B FINANCE profitable?
- In financial year 2025, R&B FINANCE made a profit of €384,145.
- Where can I find the annual accounts of R&B FINANCE?
- R&B FINANCE filed 22 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of R&B FINANCE due?
- R&B FINANCE must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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